Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,620Cash toward the purchase price.
Closing costs + prepaids$10,113Not just lender fees.
Before credits & paid funds$62,733The complete starting cash picture.
Estimated remaining funds due at closing
$62,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,620.23
Your down payment$52,620.23
Closing costs + prepaids$10,112.87
Total buyer cash needed$62,733.10
Remaining funds due$62,733.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$278.50
Prepaid interest, first (24 days)$959.37
Fees + prepaids$10,112.87
Your down payment is the seller’s equity. You take over the $212,380 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $62,733.10 is due at closing. Uses and sources reconcile at $275,112.87 each. Not a Closing Disclosure.